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Real Estate Tips
Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Real Estate Trivia
Q 
What do 84% of homebuyers who use the Internet to search for homes have in common?

A 
They use a real estate agent to purchase their home.
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CurtisJohnsonRealty, REALTORŪ, real estate agents and broker for Phoenix, Gilbert and Mesa Arizona home listings, property and land for sale - NUMBER1EXPERT(tm)

Curtis Johnson
Curtis Johnson Realty

2680 South Val Vista Dr Suite 122
Gilbert, AZ 85295
480-355-4000
Office: 480-355-4055
Sellers: 480-355-4040
Email: Leads@CurtisJohnsonRealty.com

Curtis Johnson runs a highly successful real estate team at Curtis Johnson Realty. The Wall Street Journal ranked Curtis and his Team # 57 out of 1.2 million REALTORS for their production in 2008 when they sold 300 homes. In 2009, they sold even more homes as they battled through the current housing collapse. His extensive knowledge of the local real estate market makes him an in demand speaker and real estate expert. He constantly analyzes current market conditions and trends to stay one step ahead of others in the field.


Curtis is one of the most in-demand Real Estate Brokers in Arizona because he is relentless about providing only proven, practical, and usable marketing strategies for his clients. Considered a "real estate marketing genius" by his peers, Curtis has built a solid base of satisfied homeowners. His business is based on his aggressive, proprietary "89 Step System" that he and his team use to market their clients homes. By using his cutting edge strategies, home sellers in the Valley of the Sun finally have options for their homes instead of just slapping up a sign and hoping.


Curtis holds several advanced professional designations including GRI, ABR and CRS. His areas of specialization include residential and income properties, relocations, "hard-to-sell" homes, and other challenging sectors of real estate.


As an investor himself, Curtis currently lives what he teaches and practices what he preaches, regarding the impact of real estate investing on net worth. He doesn't just randomly buy and sell homes like on late night TV infomercials. Rather, Curtis considers himself a contrarian when it comes to following the crowd. His passion and philosophy on marketing and building net worth, while minimizing the impact taxes play, is welcome insight to his many clients.


Curtis has been featured on the cover of national magazines like REALTOR Magazine and has been featured in CNN Money Magazine and in many local publications. He has been interviewed locally on virtually every TV station and newspaper. For years on weekend radio, Curtis was the voice of reason trying to make sense of the Arizona housing mess. For this reason, he took local real estate to the radio and fired up the airwaves with his often irreverent, never dull, always brutally honest takes on real estate. His Renegade Real Estate Show on KFYI radio on Sunday mornings was heard by tens of thousands every week for years in the Phoenix area. Curtis kept it fast paced, packed with cutting edge tips and exclusive information, constantly engaging, and occasionally even funny. Curtis did not color within the lines and anything on his mind was fair game, whether it be the next real estate calamity or the next huge opportunity. Truth trumps all.


Curtis has an extensive and unique access to knowledge and trends of the local real estate market. He constantly analyzes current market trends and conditions and militantly stays one step ahead of others in the field. Not only is Curtis a Designated Broker, but Curtis holds several advanced professional designations including Graduate of the REALTOR Institute, Accredited Buyer Representative and the Certified Residential Specialist designation.


Curtis actively participates in sports, recently completing the Rock N' Roll Marathon right here in Arizona, volunteering for projects with community service organizations, and is active in his church. In his leisure, he enjoys sports and spending time with family and friends. He and his wife live in Chandler, AZ, with their three energetic sons.


Curtis Johnson Clients Speak Out


"Above and beyond..."


"The Curtis Johnson Team was GREAT!! They not only seemed to be our Real Estate Team but our friends as well!! They went above and beyond what we expected!! They saved us a ton of time and money!! And being able to look at homes on the computer in our own time was invaluable! Everything they did for us was Top Notch. We realized that they were very busy but they STILL made us feel like they had all the time in the world for us!! They knew what we were after and were able to get it for us, even when we weren't there!! We are 100% for The Curtis Johnson Team!!"


Tasha & Scott Adams, Mesa Arizona


"Our heads are still spinning!!!"


"We wanted to say Thank You for the great job in getting our house sold so fast. Our heads are still spinning at how quickly your "89 Step System" worked for us. Like most everyone else, we had a few friends who were real estate agents and we felt compelled to use one of them, but we remembered the glowing reference you got from our neighbors, whose home you sold in just 3 days!! They had good reason to brag about "their REALTORS".house


The information your Team gave us in the FREE "Maximum Home Value Audit" really helped us get a plan for our home to show in the best light. Like most people we were skeptical of salespeople but your informative presentation was NOTHING like we expected. You were very low pressure - make that NO pressure - and explained exactly what you and your Team would do to get our home sold fast and for top dollar $$. Turns out there is a lot more to getting a house sold than just sticking a sign in the yard and hoping it sells.


We were VERY comfortable in listing our home with your Team, and we are glad to say that we were not disappointed!! The Team actually did us one better than our neighbors!! Amazingly in only 2 and a half days we had several offers on our home!! It goes with out saying that we got exactly what we wanted and needed - 100% of our asking price!!


When you told us that your "89 Step System" would get us the most money in the least amount of time we thought it was just a line!! Not anymore - COUNT US AS BELIEVERS!!


Thanks again for helping us reach our goals!!"


Joe & Melissa Shimanek, Gilbert Arizona


"Out of Town Sellers"


"We wanted to thank the Team for the work they did to help us sell our home so fast. They did an excellent job marketing our home and making us competitive with other homes on the market in our neighbor.


We chose their Team because of their aggressive marketing techniques, persistence, and accuracy. We knew they would get our home sold and we would not have to worry about the hassle or burden. We also knew that if there was ever a problem or concern that we could call them and they would follow through in helping to resolve it.


The Curtis Johnson Team sold our home and got us moved out in one months time, way before we thought we would. They ended up selling our home the FIRST weekend, even while we were out of town!! They took care of everything and we were still able to enjoy our vacation while all we did was discuss the offer with the Team over the phone. The best pert about selling our home was that there were other homes in our neighborhood on the market and ours sold for more than their asking price. THANKS!!


The information The Curtis Johnson Team gave us about how to sell our home fast and for top dollar had our home looking like a "model" rather than just "any" home on the market. We are very happy with the service we were given and will be sure to recommend them to anyone we know looking to buy or sell a home!!


Thanks again!!"


Thomas & Brittney Anderson, Mesa Arizona

ABR CRS GRI MLS REALTOR


Curtis Johnson Realty Arizona Realtors real estate and homes for sale in Phoenix, Gilbert and Mesa Arizona

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